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(CNN) – Forget Thanksgiving Day openings, and even Black Friday. Many retailers have already started their holiday shopping push. Consumers ready to shop may find some deals now, but many items will be worth a wait.

As Black Friday gives way to “Gray Thursday”, and “Cyber Monday” continues to grow, strategizing for the best deals can be confusing. Personal finance expert Vera Gibbons says there’s one area where shoppers may want to be shopping right now.

“If you’re on the market for the really hot, super hot toys, the toys that are out on the best toy list that have been released by Amazon and the like, I wouldn’t necessarily wait to get these hot toys.”

If it’s a gadget on the list, Gibbons suggests Black Friday and that’s in line with a list from Kiplinger’s Personal Finance that suggests that day, or for some retailers, Thanksgiving, for items like cookware and small appliances, HDTVs, tablets, laptops, and video games and consoles.

That may surprise some shoppers looking for the best electronics deals on Cyber Monday. But Gibbons says the big online shopping day is the day to snag apparel.

“You tend to see 45% more clothing deals on Cyber Monday, and Cyber Monday is generally when you see store wide discounts, you know, take 30% off everything. Take 40% off everything, so if you have a favorite retailer or a favorite brand, Cyber Monday would be an excellent time to shop for apparel.”

Consumers who will do most of their shopping online may want to get an even earlier start. A survey by Adobe predicts overall online prices will be at their lowest on Thanksgiving Day.